There is no essential difference between ZTE Bank’s credit cards and credit cards from other banks. The main functions are as follows:

Currently, most shopping malls and merchants with POS machines support card payments. , you can pay with a credit card, eliminating the trouble of cash payment and change. This is also the biggest function of a credit card - convenient and fast payment;

It can be used as a way to spend in advance. That is, if you have no money now and want to buy a certain product (provided that the product supports credit card payment), you can use your credit card to make the purchase and pay it back after a period of time (usually more than a month), and within the specified time Repayment within the period is interest-free.

Can be used as a way to get a loan. ZTE Credit Card, including credit cards from other banks, has some loan-like services. That is, if you need to meet an urgent need, you can first use the credit card to make purchases and then repay in installments to relieve the current economic pressure. Of course, a certain percentage of handling fees or interest will be charged in this case.

Note:

Credit card consumption has become a popular payment method nowadays, but it also has some traps. If you are not careful, it may cause an inexplicable loss. Here is a brief summary:

1. Credit card consumption does not require cash, so it paralyzes your concept of money to a certain extent. If you forget to control yourself when consuming, and you just swipe and swipe as much as you want, you may not be able to pay back the money. I want to cry without tears

2. You must repay the loan according to the prescribed time. The interest and handling fees of credit cards are not low. If the time is long, you will have to pay back a lot of interest and handling fees.

3. At present, our country’s credit mechanism is becoming more and more perfect, and the personal credit mechanism has penetrated into all walks of life. Don’t think that you will be fine if you don’t pay back the money you spend on credit cards. It is easy to borrow and repay, and it is not difficult to borrow again. ~

Supplementary information: Credit cards often hold some activities. You will get discounts when buying things in designated shopping malls and stores. In addition, you will get points after consumption. If you have more points, you can apply for redemption. In general, credit cards will still bring convenience to your life after you grasp the precautions. The above content is purely hand-written, I hope it can be helpful to you~